Frequently Asked Questions (FAQs)

We offer home, health, life, and auto insurance tailored to meet the variety of needs of individuals and businesses. Each plan is designed to provide comprehensive coverage, ensuring peace of mind and financial protection.

You can request a quote by contacting us at (303) 691-2415, emailing us at info@luktoncompany.com, or filling out the form on our website. Our team will provide an in-detailed estimate based on your specific needs.

Age, profession, location, and claims history influence your insurance premium. These elements help determine the risk associated with insuring you and, consequently, the cost of your coverage.

To lower your insurance premium, maintain a good claims history, increase your deductibles, and take advantage of available discounts. Bundling multiple policies with us can also help you save on overall costs.

To file your insurance claim, contact our claims department with your policy number and incident details. We’ll guide you through the process, ensuring all necessary documentation is submitted for a smooth and timely resolution.

Home insurance generally covers damages from natural disasters, theft, vandalism, and liability issues. It can also cover personal belongings and provide temporary housing if your home is uninhabitable because of a covered event.

Yes, we offer customizable insurance policies. You can adjust coverage limits, add endorsements, and select specific protections that suit your needs. Our consultants will help you create a policy that aligns with your circumstances.

It’s advisable to review your insurance coverage annually. Life changes such as buying a new home, getting married, or expanding your business can affect your insurance needs, so regular reviews help ensure your policy remains adequate.

Yes, we offer multi-policy discounts to clients who bundle their insurance coverage. This can result in significant savings, making it more affordable to protect your home, car, health, and life under one roof.

We will notify you of your policy renewal before its expiration. Review your coverage to ensure it meets your needs, and contact us if you want to make changes. Once confirmed, your policy will be renewed for another term.

Contact our customer service team if you need to update your policy details, such as changing your address or adding a new beneficiary. We’ll make the necessary adjustments and provide you with updated policy documents.

Liability coverage protects you against legal claims resulting from injuries or damages you cause to others. It’s essential for personal and business insurance policies, as it helps cover legal fees, settlements, and medical costs.

The time required to process an insurance claim varies based on its complexity. While straightforward claims might be resolved in a few days, more complex cases can take weeks to complete. We strive to handle all claims efficiently.

If you miss a premium payment, your coverage may be at risk of cancellation. Contact us immediately if you’re unable to make a payment on time. We may be able to offer a grace period or discuss alternative payment arrangements.

You can request proof of insurance by contacting our office or accessing your policy documents online. We’ll provide a certificate of insurance, which you can use as evidence of coverage for personal or business purposes.

Our health insurance plans encompass a broad spectrum of medical services, like visits to doctors, hospital admissions, prescription drugs, and preventive care. Per the policy, some plans also offer mental health services, dental care, and vision care coverage.

Yes, you can cancel your insurance policy whenever you choose. Before doing so, reviewing the policy’s terms and conditions is crucial, as some may include cancellation fees or penalties. Additionally, canceling your policy could affect your coverage and any potential refund for unused premiums. Please contact us to facilitate the cancellation process.